> ## Documentation Index
> Fetch the complete documentation index at: https://docs.methodfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# May Updates

## New Features

### Snapshot Delinquency Data

[Updates](/reference/accounts/updates/overview) with `source: "snapshot"` now include a comprehensive set of delinquency fields sourced from the credit report. These fields give you a full picture of a borrower's delinquency status without pulling a separate credit report for the user.

* **Delinquency Status & Period**: `delinquent_status`, `delinquent_period`, and `delinquent_start_date` indicate the current delinquency state, severity bucket (`less_than_30`, `30`, `60`, `90`, `120`, `over_120`), and when the delinquency began.
* **Delinquent Actions**: `delinquent_action` surfaces servicer-level actions such as `charge_off`, `foreclosure`, `repossession`, `chapter_7`, `chapter_13`, `wage_garnishment`, `payment_agreement`, and `bankruptcy`.
* **Delinquent Amount**: `delinquent_amount` returns the dollar amount currently reported as delinquent.
* **Delinquency History**: `delinquent_history` provides a time-series array of historical delinquency periods, each with `start_date`, `end_date`, `status`, `period`, and `action`, enabling trend analysis across multiple reporting cycles.

Delinquency fields are available on snapshot Updates for `credit_card`, `auto_loan`, `personal_loan`, `mortgage`, and `student_loan` liability types. These fields are not included on Updates with `source: "direct"`.

For more information, visit the [Updates API](/reference/accounts/updates/overview) documentation.

### Wire Account Type

You can now create entities that need to receive wire transfers without enabling outbound payment functionality.

* **Receive-only**: Wire accounts activate `payments:receive` only; no outbound payments are supported on this account type.
* **Routing validation**: Wire routing numbers are validated at account creation, including support checks against the underlying wire network.

For more information, visit the [Accounts API](/reference/accounts/overview) documentation.

### Dashboard: Webhook Management

The [Method Dashboard](https://dashboard.methodfi.com) now supports full webhook lifecycle management. You can create, view, update, and delete webhook endpoints directly from the UI, with no API calls or support requests required.

* Register new webhook endpoints with custom event filters and authentication
* View all active webhooks and their status
* Update endpoint URLs and configuration in place
* Delete webhooks that are no longer needed

For more information, visit the [Method Dashboard](https://dashboard.methodfi.com).

## Improvements

### Webhooks

**Delivery Rate Limiting**

Outbound webhook deliveries are now rate-limited to 15 deliveries per second per webhook registration. This smooths delivery during high-volume events (e.g., bulk Connect completions or batch Update subscriptions) and reduces the likelihood of triggering rate-limit responses on your infrastructure.

**Failure Handling**

An individual webhook delivery is now retried up to 5 times before it is marked as failed, rather than remaining in a retry loop indefinitely. After 5 consecutive delivery failures, the webhook `status` is set to `disabled`, consistent with the documented automatic-disabling behavior. You can reactivate a disabled webhook from the Dashboard or via the [Update a Webhook](/reference/webhooks/update) endpoint once the underlying issue is resolved.

For more information, visit the [Webhooks API](/reference/webhooks/overview) documentation.

### Payments API

**Destination Processing Window**

The destination processing window has been updated to 4:00 PM CT (5:00 PM ET). Payments submitted before this cutoff can be processed the same-day; payments submitted after are queued for next-business-day processing.

For more information, visit the [Payments API](/reference/payments/overview) documentation.

### Simulations API

**Account Closed Event**

The `POST /simulate/events` endpoint for `account.closed` events now also triggers the `account.update` webhook as part of the simulation, matching production behavior. This enables more complete end-to-end testing of account lifecycle workflows in the development environment.

```json POST /simulate/events theme={null}
{
  "type": "account.closed",
  "entity_id": "ent_au22b1FBFJbp8",
  "account_id": "acc_Dz3E8r4mJ7xKn"
}
```

When simulating `account.closed`, both webhooks now fire in sequence:

1. `account.update`: the account snapshot is updated with the closed status
2. `account.closed`: the account itself transitions to closed

For more information, visit the [Simulations API](/reference/simulations/events/create) documentation.

### Opal UI

Several UX improvements to the [Opal](/opal/overview) Connect widget:

* **Double-submit prevention**: The intro button is now disabled after being clicked, preventing duplicate Connect session submissions.
* **Improved close window UI**: Updated the X button and CTA interaction for clearer navigation.

For more information, visit the [Opal](/opal/overview) documentation.

### Development Environment

**Mock Credit Reports for Connect**

Mock raw credit reports are now available for [Connect](/opal/connect/overview) flows in the development environment, enabling end-to-end testing of credit report-based account discovery without live bureau data.

<Warning>This feature is available in the development environment only.</Warning>

**Payment Destination Details in Responses**

The development environment `POST /payments` response now includes the `destination_payment_method` field, aligning dev responses with production behavior. This field indicates how the payment is delivered to the recipient, either `electronic` or `paper`.

```json theme={null}
{
  "id": "pmt_rPrDPEwyCVUcm",
  "status": "pending",
  "source": "acc_JMJZT6r7iHi8e",
  "destination": "acc_AXthnzpBnxxWP",
  "destination_payment_method": "electronic"
}
```

For more information, visit the [Payments API](/reference/payments/overview) documentation.